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So you are paying $216 a year for ins. Plus $250 deduction that is $466 dollars to use it once a year. in the last five years, I have lost one rod and reel thru my own stupidity. That came to about $300 as opposed to $466 X 5 = $2330. Think I will pass. As for the liability, I think if I run somebody over with my yak, I won't do that kind of damage. If I'm hit by a power boat, he had better have the insurance.
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